Opening a gym?  Just received your personal trainer certification?  We are here to help you with all your coverage needs.  As gym owner, fitness instructor or health professional determining whether or not you have the right insurance can be a daunting task.

At Kirkwood Insurance we have access to several different insurance companies, so you know you’re getting the best quote.  Plus our knowledgeable staff will ensure you have all the coverage you need.

What would your insurance cover?  As a fitness center, health club, gym, personal trainer, or any other fitness professional you could be held liable if someone were to get hurt on your premises or as a result of your training.  You also need to be aware of members claiming inappropriate behavior by your staff.  More importantly, not all lawsuits or claims are covered under general liability.

We’ve seen claims in the hundreds of thousands of dollars resulting from customers dropping weights or falling off treadmills.  Even if that customer was attempting something they should not have, the fitness center was held responsible.

Professional liability is another often overlooked exposure, and our policies can provide it at no additional cost.  In one instance a professional trainer was working with a member and encouraged him to run at a faster pace.  During the workout the member injured his back and sued for over $30,000.  Because the trainer was providing services at the time, this was not covered under General Liability.

We’ll walk you through the process and make sure you’re comfortable with the right coverage for the right price.

Entities we cover include, fitness centers, gyms, personal trainers, yoga instructors, Pilates, nutrition experts, sports, home trainers,